# Construction & Skilled Trades — Coverage Checklist

*Comp isn't coverage.* Work through this before you shop or renew.

## Get your number right
- [ ] Start from: contract revenue (full year)
- [ ] Average the whole year rather than annualizing your busy season.
- [ ] Add all other household income (spouse W-2, side work) — the marketplace wants one combined figure

## The traps in your line of work
- [ ] Have an answer for: Assuming workers comp covers non-work illness or injury
- [ ] Have an answer for: Sole proprietors exempt from comp with no health plan behind them
- [ ] Have an answer for: Projecting a full year off peak-season billing
- [ ] Have an answer for: Wanting to offer crew benefits without knowing what is realistic at a small headcount

## Fast facts to remember
- **Comp ≠ health** — on-the-job injuries only
- **50 FTE** — where the employer mandate starts
- **ICHRA** — a fixed-cost crew benefit

## Before you enroll
- [ ] List your doctors and check them against the plan network
- [ ] List prescriptions and check the formulary
- [ ] Compare at least two plans on deductible AND network, not premium alone

Full guide: https://bishopplans.com/health-insurance-for/ · Tools: https://bishopplans.com/health-insurance-for/tools/
Free to share. Not legal or tax advice.